CIB Asset Backed Securities, Associate - New York

It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high‑impact brand into a technology‑driven organization. Our people are at the heart of this journey and together, we are driving a customer‑centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. The Difference You Make: Santander is a global leader in financial services, committed to helping people and businesses prosper. We believe our employees are our greatest asset and foster a culture that supports continuous learning, professional development, collaboration, and innovation. Join a diverse and talented team where you will have the opportunity to work on complex transactions, build meaningful relationships across the industry, and contribute to the growth of our Asset‑Backed Securities platform. The Asset Backed Securities (ABS) Associate will be a key member of the Securitized Product Group (SPG) team, supporting the origination, structuring, and execution of asset‑backed financing and capital markets transactions across a broad range of securitized product sectors, including consumer and commercial ABS, and esoteric asset classes. The successful candidate will combine strong analytical capabilities with transaction execution experience and an understanding of structured finance markets. Responsibilities Analyze collateral performance data, historical asset performance, collateral tapes, and comparable transactions Build and maintain financial models to project cash flows, evaluate transaction structures, and perform scenario and sensitivity analyses Develop and maintain knowledge of rating agency methodologies, credit considerations, and market developments across securitized products sectors Support the execution of securitization and structured finance transactions from origination through closing Coordinate with external stakeholders, including rating agencies, investors, accounting firms, trustees, and legal counsel Partner with internal teams, including Risk, Syndicate, Legal, Compliance, and Operations Review transaction documentation, including credit agreements, offering memoranda, indentures, and related legal documents Prepare internal credit memoranda, client presentations, marketing materials, and pitch books Assist with transaction structuring, due diligence, and investor communication efforts Monitor market trends and provide analytical support for new business opportunities What You Bring: Education Bachelor’s degree in Finance, Economics, Business, Mathematics, or a related quantitative discipline Advanced degree or relevant professional designation is a plus Experience Minimum of 3 years of experience in securitized products, structured finance, asset‑backed securities, or related capital markets disciplines Experience supporting the execution of ABS or other structured finance transactions preferred Skills & Competencies Strong financial modeling and analytical skills, with experience evaluating structured finance transactions Experience analyzing asset‑backed collateral performance and credit fundamentals Proficiency with Excel and structured finance analytical tools, including Intex and CAS Strong understanding of securitization structures, cash flow mechanics, and capital markets execution Excellent written, verbal, and presentation skills Ability to manage multiple priorities and deadlines in a fast‑paced environment Strong attention to detail and problem‑solving capabilities Self‑motivated team player with the ability to work independently and collaboratively across functions Work Authorization & Sponsorship Applicants must be legally authorized to work in the United States on a full‑time basis without requiring employer sponsorship to commence employment. What Else You Need To Know Base Pay Range Minimum: $175,000.00 USD Maximum: $225,000.00 USD We Value Your Impact Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers; our benefits are designed to support you, your family and your well‑being, now and into the future. Risk Culture We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. #J-18808-Ljbffr Santander US